To refuse to pay for this and go through insurance instead?

[ReacherSaidNothing]

DH hit someone else's car when he was driving home on Sunday, he admits he's at fault with this. The person in front braked suddenly and he swerved to avoid them and scraped their back bumper, his car has a big bash just behind the passenger front light.

The person he hit asked that they don't go through insurance, DH said he might agree to this and started looking at quotes for the damage to his car. So far he has had a quote for £1700 and a second for £1800, he then told me two days ago that the passenger side door won't open since the accident. So on top of the damage to his own car, he still has to also pay to fix the damage to the other driver's car but who knows how much that'll be, they've still not been in touch to say what they've been quoted for it.

We had no idea how much this would cost to fix but tbh we don't have this kind of money atm, we recently moved house and had to pay £12k unexpectedly to fix hidden problems so there is nothing left in the bank so to speak. We could maybe borrow off relatives but I don't see why we should when we have car insurance. DH has 12 years protected NCD and the excess would be £350. He's not keen to go through insurance in case his premiums go up massively, his last annual premium was £459. I've said that if he borrows off family to pay for this then he can pay them back himself. I'm a FT student working a part time job, I have no money to pay anyone back anything. What would you do in this situation?

Yeah man it looks a bit dodgy. Hand it over to insurance, that's what it's there for. They see this stuff all the time.

Dash cam footage would be helpful.

The woman told DH she braked suddenly because she 'always goes slow at that bit because of parked cars'. I'd say there's a difference between going slow and what is pretty much an emergency stop but hey ho...

Go through insurance.

The person in front braked suddenly

I know he should have left the correct braking distance anyway but are you sure this isn't one of those scams where they deliberately brake? Go through your insurance and protect yourselves.

How would they claim whiplash if they don't want to go through the insurer, it would be the opposite of they were a cash for crasher, they'd be phoning the insurance on the apt wouldn't they?

I would just through insurance; she may not bother making a claim on her car if she doenst have insurance

Definitely go through insurance. It does sound suspicious.

And presumably a time machine to install one before today 😋

He's be mad not to go through insurance

His premiums might go up a bit, but then he’ll be offsetting that against the costs he would otherwise have to pay for repairs. Plus, what’s to stop the other party taking cash from him and then going through insurance and putting a claim in? Then he’d be paying out twice, plus be in trouble with his insurance company for not telling them about the crash!

Sounds dodgy to me

Someone hit my car in a car park and she offered to pay for it. I told her not to and to go through the insurance. Thankfully she agreed as there happened to be a significant fault in the hazard sensor system which had to be completely replaced, as well as the wing, bumper and side door. It didn't look too bad superficially but cost a fortune to sort out. Insurance is there for a reason.

100%. Let your insurance company do the work. Whether or not the other party is insured is not your problem.
Also if any insurance company ever discovers that you failed to report an accident, you could be refused future insurance cover.

Definitely go through the insurance! I bumped another car and I thought the damage looked superficial but the quote for repair came back at £3.6K!!
My renewal quote was £150 more for this year.
I had protected NCB as well so nowhere near spending thousands trying to do it all yourself.

It's a requirement to disclose to the insurance company. If you don't and they find out at any point in the future they can null & void the policy and not pay a claim. The most likely time for an insurer to fact check is at claim time.

I'd go through the insurance, this has red flags written all over it. If your DH admitted liability it won't matter to the other driver whether it goes through the insurance or not UNLESS they aren't insured. You can check online if the car is insured for £10 www.askMID.com

To add if they are uninsured their car repairs will still be covered by your insurance they just have to go through the MID themselves and obviously then they are admitting to driving without insurance so could get points/fine/ban

Definitely go through insurance. I agree this could be a crash for cash scams. If they stopped suddenly it could well be their fault or partly so.

deffo one for the insurance.

This will cost thousands for both cars, go via insurance.

I hope he took lots of photos of both cars. It is a shame he doesn’t have dashcam footage. It almost sounds like she deliberately caused a crash for some reason.

That’s great. However I did have to pay excess to get my car fixed and still waiting months later for it to be refunded

@DaughterNo2 we had to pay and wait months and months as well. I I started emailing everyday until I got my money back. Funnily didn't take long after a few emails!